Cylants:
I finally called the hosting company and they informed me that 444 file permissions are not possible with my accout.
That's just silly. Did you also ask 'why' it is not possible?
In the meantime, try this.
Make a blank file and inside put the following code:
<?php
chmod("includes/configure.php", 0444);
chmod("admin/includes/configure.php", 0444);
echo 'Completed'
?>
Note: if you renamed the 'admin' directory then change "admin" to whatever you renamed it to and you're good to go.
Save the file as chmod.php and upload it to the same directory where these files are:
index.php - ipn_main_handler.php - nddbc.html
Now load this URL into your Browser: http://yoursite.com/chmod.php
(adjust URL accordingly if Zen Cart is in a sub-directory)
You will see the 'Completed' msg. and can then load your Zen Cart "index" page to verify Error msg. is gone.
Any Admin login problem(s) should also be gone.
Now delete the 'chmod.php' page.
If that doesn't work then change line 24 of /includes/init_includes/init_header.php
define('WARN_CONFIG_WRITEABLE', 'true');
From 'true' to 'false'.